Credit Reports

About Credit Report Plus

The Report Plus is the most comprehensive report that extends Report with our scoring information, using our leading-edge platform, Predictor. It includes data from Credit Information Providers and information about inquiries made on a subject. It allows you to assess the repayment capabilities of a prospective client, including viewing the record of repayments on previous and current loans.

Our Scoring Model Explained

The Predictor has been developed to provide users with a single assessment of the individual. The score is represented by a number from 250 to 900, which is also accompanied by a risk grade ranging from A to E. Essentially, the higher the score the lower the risk. To interpret the score, the key drivers of the score are shown in a series of reason codes. The reason codes are frequently used in manual underwriting as an indication of the areas that require further review.

EveryData conducts constant reviews and statistical analysis on the Predictor to ensure our subscribers have the most predictive and effective risk assessment tool.  The report's Dashboard outlines all of the key information in summary format, which is further enhanced with a series of traffic light indicators.  For in-depth analysis, users can navigate through each section using the tabs specific to each information category on the Dashboard making the EveryData report suitable for new and experienced underwriters.